The current annual interest rate is 6.84. If it is your first home, the interest rate can be lowered by 0.15, that is, the annual interest rate is 5.814. If you adopt declining repayment, that is, the principal repayment every month is 1322.89 (250000). /180) remains unchanged. The interest you pay in the first month is 1211.25, so your first monthly payment is 2534.14 yuan, and then it decreases by 6.409 yuan every month. Lump-sum repayment is a special form of waiting for principal repayment, so the earlier you make it, the more cost-effective it is. You can roughly calculate how much the principal and interest are based on the interest I give you for the first month and the decreasing amount every month thereafter. Of course, this is calculated when the interest rate remains unchanged. After the interest rate is adjusted, it will be recalculated in January of the next year.